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Length of Boat Loans. Fixed rate boat loan terms are available from 15, 20 years, the terms available are based on the amount you are looking to borrow. The rate of your boat loan is determined by many key factors outside of your credit score.
A typical performance kayak would be 18-19 ft long with 20 to 22 in beam requiring fair paddling skills. For all around kayaks 17-18 feet length and 24-26 in. beam is popular. The additional drag of a shorter/wider boat comes in at higher speeds and its drag might actually be less at lower speeds.